Insurance is supposed to protect you, not chase you. Yet many people describe stressful experiences with calls, letters, or claim tactics that feel pushy, relentless, or flat out abusive. When the company involved is 21st century insurance, it can be even more frustrating because you are dealing with a large brand that sits inside the Farmers Insurance family and uses several departments and locations.
This guide focuses on one main goal “How to stop harassment from 21st century insurance and from any outside collection agencies it uses.
You will learn
- ✅ What 21st century insurance is and how it contacts people
- ✅ Where the main offices and phone lines are
- ✅ What kinds of behavior count as harassment
- ✅ Which laws protect you from abusive calls and letters
- ✅ Step by step strategies for making the pressure stop
- ✅ How Consumer Rights Law Firm PLLC can step in and fight for you
By the end, you will have a clear plan you can start using today, even if the phone is already ringing and you feel worn out.
Who 21st century insurance is and how they contact people
21st century insurance is a long running auto insurer that now operates as part of the Farmers Insurance group. The brand focuses heavily on personal auto coverage, especially for drivers in California, and uses a mix of online, telephone, and office based service.
The company lists its corporate headquarters as
📍 21st Century Insurance Company
📌 3 Beaver Valley Road
Wilmington, Delaware 19803
Public contact information also shows an important regional presence at
📌 6301 Owensmouth Avenue
Woodland Hills, California 91367
For customers and people dealing with claims, the main 21st century insurance phone number for customer service is currently listed as
☎️ Customer service line 855 864 1530
☎️ Claims line 888 244 6163
The company encourages people to report accidents and manage policies by phone and online. This constant use of call centers and digital channels is one reason people can feel overwhelmed when contact becomes too frequent or too aggressive.
Why 21st century insurance might be calling you
There are several common reasons someone might hear from 21st century insurance or from a partner working on its behalf
you are a current policyholder and there is a billing or renewal issue
you were in a crash with a driver insured by 21st century insurance and a claim adjuster is handling the file
you once had a policy and the company believes a premium or fee is still owed
a subrogation team thinks you owe money to reimburse what the carrier paid in a claim
a third party debt collector has been hired to chase a balance they say is tied to 21st century insurance
Sometimes people also hear from a 21st century insurance agent, often connected with Farmers, who helped sell the policy in the first place and is now involved in questions about coverage, cancellations, or claim expectations.
Normal business contact is allowed. Harassment is not. To stop it, you need to know where the line is.
What 21st century insurance harassment can look like
The phrase 21st century insurance harassment usually describes one of two situations.
The first is claim pressure. Examples include
- ✔️ Constant calls demanding a recorded statement
- ✔️ Repeated requests that you sign broad medical authorizations
- ✔️ Pushy messages telling you to accept a low offer immediately
- ✔️ Threats that your claim will close forever if you do not settle right away
The second is debt collection pressure. This shows up when the company itself or a debt collector working for it chases money. In that case, harassment can include
- 👉 Calling many times in a short period
- 👉Contacting you at work after you said to stop
- 👉 Using rude or threatening language
- 👉 Suggesting you will be sued, arrested, or lose your job immediately
- 👉 Ignoring written disputes and still demanding payment
Under federal debt collection rules, it is harassment when collectors place repeated or continuous calls with the intent to annoy, abuse, or harass you or when they use obscene language or threats they cannot legally carry out.
Those standards apply directly to outside collectors and debt buyers that chase balances tied to 21st century insurance. Even when the contact is from the insurer itself, the same ideas help you recognize when behavior has crossed the line.
The basic laws that protect you
Several layers of law limit how far collection activity can go.
The Fair Debt Collection Practices Act is the main federal law that deals with third party debt collectors. It bans abusive, deceptive, and unfair practices, including repeated calls intended to harass, misleading statements, and threats that are not real.
Regulation F, issued by the , adds more detail. It explains that debt collectors must not call repeatedly or continuously in a way that has the natural consequence of harassing or abusing you. It also sets clear presumptions about how many calls over a short period will usually be considered a violation.
The Federal Trade Commission and the both state that harassment includes repeated calls, obscene language, and threats of harm or arrest, as well as unfair or deceptive tricks.
On top of that, state unfair claims practices laws and consumer protection statutes restrict the way insurers handle claims. They generally forbid misrepresenting policy provisions, ignoring valid evidence, or forcing claimants into court through obviously unfair offers.
Together, these rules mean you never have to accept abuse just because a company says you owe money or because a claim is open.
Write everything down about 21st century insurance harassment
The first move in stopping 21st century insurance harassment is to become your own record keeper. Good notes turn a confusing series of calls into a clear timeline that a lawyer, regulator, or judge can understand at a glance.
Create a call and message log. For every contact related to 21st century insurance, record
- ➤ The date
- ➤ The time
- ➤ The phone number that appeared on your screen
- ➤ The name or department the caller gave
- ➤ A short description of what was said
Save voicemail recordings if your device allows it. Take screenshots of texts. Keep emails in a separate folder. Put physical letters and envelopes in one place and do not throw them out. Federal agencies and consumer law guides specifically recommend this kind of documentation when you suspect harassment.
If a caller identifies themselves as a 21st century insurance agent, note that phrase. If the person says they are calling from the claims department or a collection company for 21st century insurance, write that exactly. These details matter later.
Get the contact details and slow the conversation
When you answer a call, you do not have to rush. You can take control of the pace by calmly gathering information.
Ask for
- ✔️ The full name of the caller
- ✔️ The name of the company they work for
- ✔️ A call back number
- ✔️ A mailing address
- ✔️ A claim or account reference number
You are allowed to say that you will not discuss payment or make decisions until you receive written information. Creditor harassment guides and debt collection experts strongly encourage consumers to insist on written confirmation rather than reacting under pressure during a call.
If the person claims to be calling from a 21st century insurance phone number, compare the number on your screen with the contact page on the official site or with the number printed on your policy declarations. The main customer service and claims lines listed on the official contact page are a reliable reference point.
Never feel rude for slowing the conversation. You have a right to understand who is speaking to you and why.
Demand everything in writing
For both claims and collections, written information gives you a huge advantage. It freezes the story, shows what the company is actually asserting, and makes it easier to spot mistakes or unfair tactics.
If the issue is a claim, ask for written explanations of any decision, denial, or settlement offer. Ask for copies of estimates, valuations, and repair calculations.
If the issue is debt collection by a third party, exercise your right to receive a validation notice that clearly states the amount, the name of the current creditor, and your right to dispute the debt and request verification. Federal guidance makes clear that collectors must send such notice after initial contact and must pause collection if you dispute in time and ask for proof.
Send your dispute and your request for verification by mail so there is a clear record of what you said and when you said it. Keep copies of every letter you send and, if possible, proof of delivery.
Control how and when they can contact you
If constant ringing or messages are making you anxious, you can limit the channels and times that calls happen.
You can tell any representative of 21st century insurance that certain numbers or times are not acceptable. For example, you can say
- 👉 Do not call me at work
- 👉 Do not call before eight in the morning or after nine in the evening local time
- 👉 Use mail as the primary way to reach me about this matter
Under federal debt collection rules, third party collectors must respect reasonable requests about convenient times and locations. Calls at your job after you have told them not to can be strong evidence of harassment.
You can also send a letter to any outside collector stating that you want all future communication in writing. In many cases, you can go further and send a cease communication letter that instructs them to stop contacting you except for very narrow reasons the law still allows. When that kind of letter is received, continuing to call anyway can create liability for the collector.
Even when the contact is from the insurer itself, clear written requests about acceptable contact times and channels will often reduce the phone pressure.
🔗 You can also :Contact Consumer Rights Law Firm PLLC
Separate fair claim handling from bullying
Insurance companies are allowed to investigate claims, ask for documents, and make offers you might not like. That is simply negotiation. Harassment begins when the way they do these things is designed to scare, confuse, or exhaust you rather than resolve the claim fairly.
Signs that conduct is sliding toward bullying include:
- ➤ Threats that your claim will disappear forever if you do not settle immediately
- ➤ Statements that you cannot speak to a lawyer or doctor before agreeing
- ➤ Demands that you sign very broad authorizations without any explanation
- ➤ Constant calls that repeat the same demand even after you have said you need time
State unfair claims laws generally require insurers to conduct reasonable investigations, respond to communications within a fair period, and attempt to settle claims honestly and promptly. They do not require you to accept whatever the company insists on during the first or second phone call.
If conversations about a 21st century insurance claim are starting to sound more like intimidation than information, follow your instincts, move the discussion to writing, and consider getting legal advice.
Protect your credit and your peace of mind
Harassment over money often comes with the threat of damaged credit. You can blunt that weapon by monitoring your reports and reacting early.
Check your credit reports from each major bureau. See whether any entry appears with the name 21st century insurance or with a related collection account. If you believe the balance is wrong, incomplete, or not yours, file a written dispute with every bureau that reports it and attach copies of your letters and any replies you have received.
Debt collection guides note that you have a right to dispute and that bureaus must investigate and correct inaccurate information.
At the same time, guard your own wellbeing. Repeated calls and letters can cause serious stress. Talk to supportive people in your life about what is happening. Consider letting unrecognized numbers go to voicemail until you have your plan in place. Knowing that you have a structure for handling contact makes it much easier to stay calm when the phone does ring.
How Consumer Rights Law Firm PLLC can help you
If harassment connected to 21st century insurance is making daily life hard, you do not have to face it on your own.
Consumer Rights Law Firm PLLC is a consumer focused firm that helps people stop abusive collection practices and stand up to companies that ignore the rules. The firm is based at
Consumer Rights Law Firm PLLC
133 Main Street, Second Floor
North Andover, Massachusetts 01845
Phone 877 700 5790
Email help@consumerlawfirmcenter.com
The lawyers and staff at Consumer Rights Law Firm PLLC
- ➡️ Review your call logs, letters, and claim papers
- ➡️ Identify where behavior appears to violate the Fair Debt Collection Practices Act or state law
- ➡️ Prepare strong letters that demand written communication, proof of any alleged debt, or an end to unlawful contact
- ➡️ Negotiate when a fair settlement is possible
- ➡️ File lawsuits when collectors or companies will not respect your rights
Their educational resources explain in plain language how rules on call frequency, false threats, and unfair tactics apply to real people.
Sometimes a single letter from a consumer law firm is enough to change the tone completely. In other cases, taking formal legal action is the best way to make harassment end and hold the wrongdoer accountable.
🏆 Success Stories
“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, The calls still continued, it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately, they were able to put some money in my pocket as well. Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer Rights. Their expertise in negotiating settlements with debt collectors was invaluable.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions. The staff were very courteous and helpful, and they were familiar with the Collection Agencies in question. The harassment calls stopped, and I was even compensated. As a collection law firm, they provided exceptional legal assistance and ensured my rights were protected. I would recommend this company to anyone going through this type of harassment. A very satisfied customer.”
FAQs
Is 21st century insurance a real company or a scam❓
It is a real auto insurer with a long history that now operates under the larger Farmers group. Its headquarters address is listed as 3 Beaver Valley Road in Wilmington, Delaware, and it maintains major offices in Woodland Hills, California. Several official and regulatory sources confirm its licensing and contact information.
The fact that the company is real does not mean every call or letter that uses its name is legitimate. Always confirm that a caller truly represents the company before sharing personal data or making payments.
How do I safely use a 21st century insurance phone number❓
When you want to contact them, rely on the numbers shown on your policy documents or on the official contact page. For example, current information lists a customer service line at 855 864 1530 and a claims line at 888 244 6163.
Avoid dialing numbers found only in random search results or social media posts. If someone leaves a message, you can look up the official contact page and call the published number rather than calling back the number that appeared on your caller ID.
What can I do if a 21st century insurance agent keeps pushing me❓
An agent may be enthusiastic, but you still set the boundaries. You can say that you need time to think, that you want everything in writing, or that you will speak to a lawyer before signing anything. If the person disregards those statements and keeps calling or visiting, write down each contact, clearly say in a message or email that you no longer wish to discuss the matter by phone, and, if needed, complain to the company using the headquarters address or main customer service number.
When does contact become illegal harassment❓
From a legal point of view, harassment happens when conduct has the natural consequence of oppressing, abusing, or harassing you. Debt collection rules state that repeated or continuous calls intended to annoy are forbidden, that calls cannot come at clearly inconvenient times after you say so, and that threats or obscene language are not allowed.
Even if the precise call count does not violate a presumption in Regulation F, a pattern of pressure, threats, and disrespect can still be grounds for legal action, especially when combined with misleading statements about what might happen if you do not pay immediately.
What if I already told them to stop and they keep calling❓
If you have clearly told a collector or representative to stop calling a certain number or to use only mail and they continue anyway, your detailed records become powerful evidence. That is the moment when you should strongly consider talking with Consumer Rights Law Firm PLLC or another consumer lawyer, because continued contact after clear written requests is exactly the kind of fact pattern that courts and regulators take very seriously.
Putting it all together
Stopping harassment from 21st century insurance is not about outshouting a call center. It is about using structure and law.
You start by understanding who you are dealing with and by noting their real office addresses and phone numbers. You then record every contact, insist on written explanations, and control how and when they may reach you. You use your rights under laws like the Fair Debt Collection Practices Act and under state insurance rules to say no to abuse and yes to fair treatment.
When a collector or claim handler for 21st century insurance ignores those boundaries, you take the next step. You complain to regulators if needed. Most importantly, you reach out to professionals who do this work every day and can stand between you and unlawful pressure.
Consumer Rights Law Firm PLLC at 133 Main Street, Second Floor, North Andover, Massachusetts 01845, phone 877 700 5790, email help@consumerlawfirmcenter.com, exists to protect people in exactly this situation. When you bring them your call logs, letters, and messages, you give them the tools to fight back, seek compensation where the law allows it, and push the harassment out of your daily life.
You do not have to accept constant calls, threats, or confusing demands from 21st century insurance or from any collector that uses its name. With knowledge, documentation, and the right legal help, you can make the noise stop and move forward on your own terms.
